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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,004 | $54,541-48.7% | $78,778-64.5% | $70,126-60.1% |
| Participation rate | 81.3% | 60.8%+20.5pp | 69.2%+12.1pp | 69.5%+11.7pp |
| Annual return | 11.84% | 21.07%-9.2pp | 35.62%-23.8pp | 73.15%-61.3pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,693 | $2,210+67.1% | $2,958+24.8% | $3,332+10.8% |
| Admin fee / account holder | $445 | $3,709-88.0% | $5,134-91.3% | $4,645-90.4% |